Latest Info

CEA Condominium Policy

Source: CEA


Information on the CEA Condominium Policy

On this page you can download a sample of the policy,

NFIP Coverage Comparison as of December 31, 2000

Comparison of the NFIP Dwelling Form, General Property Form and the RCBAP form


This chart shows provides a coverage comparison of the following NFIP policies. 

The Three Policy Forms 
There are three policy forms – Dwelling Form, the General Property Form, and the 
Residential Condominium Building Association Policy. Each is used to insure a different type 
of property. All, however, contain certain terms and condition (e.g., Mortgage Clause, 
Reformation of Coverage) that are unique to flood insurance.

source: NFIP

CEA Renters Policy

California Earthquake Authority Renters Policy

CADO Admin
Subject: CEA Renters Policy
Description: California Earthquake Authority Renters Policy
Current Edition: BEQ-4B (01-2016 edition)

This policy is issued by the California Earthquake Authority (CEA), a public instrumentality of the State of
California established and authorized by law to transact insurance in California as necessary to sell policies of basic residential earthquake insurance.

CEA Homeowners Policy

CADO Admin
Info from the CEA website

With a CEA homeowners earthquake insurance policy, you can choose the coverages and deductibles you need. We offer two policies for homeowners:


  1. Homeowne‚Äčrs Choice offers coverage for your house, building code upgrades and emergency repairs. We also offer optional personal property coverage for your belongings, and loss of use, which can pay for additional living expenses if you have to live elsewhere due to earthquake damage. Homeowners Choice is flexible—you choose the coverages and options you need.
  2. Standard Homeowners bundles all of the coverages we offer into one package: home, personal property, building code upgrades, the additional costs to live elsewhere due to earthquake damage (Loss of Use), and emergency repairs.


NFIP General Property Form

CADO Admin

Subject: Policy: General Property Form
Description: The General Property Policy Form may be issued to owners or lessees of non-residential buildings or units, or residential condominium buildings that are uninsurable under the RCBAP.

NFIP Dwelling Form

CADO Admin

Subject: Policy: NFIP Dwelling Form
Description: Quote from FEMA;

The Dwelling Policy Form may be issued to homeowners, residential renters and condominium unit-owners, owners of residential buildings containing two to four units.

In communities participating in the NFIP Regular Program* or Emergency Program** the dwelling policy provides building and/or contents coverage for:

  • Detached, single-family, non-condominium residence with incidental occupancy limited to less than 50% of the total floor area;
  • Two- to four- family, non-condominium building with incidental occupancy limited to less than 25% of the total floor area;
  • Dwelling unit in residential condominium building;
  • Residential townhouse/rowhouse
  • Manufactured mobile homes

Claim Discussions

Synthetic Stucco and Dryvit repairs
I was a lathe & plaster laborer in high school and college that served me well on stucco repairs in the past but this new stuff has me baffled. What is the proper repair technique for damaged dryvit raised trim on stucco and concrete homes. The dryvit is the raised styrofoam trim, mostly around

Posted: 04/30/2012 5:21 AM
Replies: 4

Newsletter Topics
Hey guys! I would like some feedback on what kind of topics you would like to read about in a newsletter. What are some common questions that need to be answered for adjusters?

Posted: 07/01/2014 5:44 PM
Replies: 0

Unsealed Shingles
Can anyone tell me what the standards are for shingles that are not sealed down? I have a roof that went through a major storm with winds reaching almost 100 mph. None of the shingles on any of the slopes are sealed. It has been almost 2 months since the storm, they should have re-sealed by now. The

Posted: 09/16/2009 6:54 PM
Replies: 108

Roof deck lumber - quality question
Good afternoon, Help, the roofers are here as we speak!!!   In roofing best practices, what quality/grade of pine lumber should be used when replacing damaged roof deck boards?  Our insurance company has authorized roof replacement as a result of damage from a recent hail stor

Posted: 10/16/2006 11:50 AM
Replies: 15

WARNING! Covering deductibles is now illegal per Senate Bill 101
WARNING to contractors! The Senate has passed bill 101 making it ILLEGAL to cover deductibles in any way shape or form (advertising discounts, sign allowances, rebates, coupons, referral fees, etc)

Posted: 04/30/2012 8:22 PM
Replies: 0

Question via Email: Coverage for wind or hail damage to a building when it is over a body of water
I received the following question via the CADO Feedback form and thought I would start posting some of the feedback questions I receive instead of answering them.  Roy "Question, Suggestion or Comment: Is there any coverage for wind or hail damage to a building when it is over a

Posted: 05/07/2012 8:55 AM
Replies: 2

Freeze loss Coverage Question
This is a Texas Claim under a Texas HOA-modified which is the most sold policy in Texas after the mold gold in the early 1990`s This policy is named peril and accidental damage by frozen pipes is covered with the due dilagence conditions, namly heat in the building OR the water turned off and the pi

Posted: 01/31/2010 11:53 AM
Replies: 6

First Reports
I review a lot of files and one thing that bugs me is some the First Reports I see.  I do see some good ones but sometimes I see a First Report that contains something along the following lines.  (This is short form report not a caption report.) "Made contact with the insured and set appo

Posted: 04/15/2010 3:56 PM
Replies: 5

Personal property under water
Just read a post by Blackmon & Mooring in Houston about their state of the art cleaning to the customers satisfaction. I will not dispute their claim; however I have NEVER had ANY personal property cleaned. NFIP and all the WYO,s I have worked flood losses with have never questioned total out of

Posted: 03/15/2010 2:05 PM
Replies: 4

Difference In Conditions Policies
The company for which I work writes a Difference in Conditions (DIC) policy for earthquake and flood.  I first encountered DIC policies while working hurricanes Dennis and Katrina.  I had been an adjuster 15 years before seeing my first DIC policy.  I find that, over and over again, w

Posted: 07/12/2012 9:04 AM
Replies: 4